Life Insurance
We provide independent life insurance advice to private clients, businesses and trustees in Colchester, Essex, Suffolk and throughout East Anglia.
We passionately believe that, apart from food, shelter and love, … life insurance is the most important thing we should all provide for our families.
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Every 22 minutes a child in Britain is bereaved of a parent.
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24,000 children are bereaved of a parent each year in Britain.
(www.winstonswish.org.uk 2013)
Should it be in trust?
We believe that life insurance should almost always be held in a trust. This enables the benefit to be paid out quickly with no need for probate - and makes sure there are no Inheritance Tax issues. We will arrange that for you at no extra cost.
We believe that life insurance should almost always be held in a trust. This enables the benefit to be paid out quickly with no need for probate - and makes sure there are no Inheritance Tax issues. We will arrange that for you at no extra cost.How much cover do I need?
It is important that you have the right insurance cover for your particular circumstances. There is a lot to think about, and getting it wrong could have a disastrous effect on your family when they are already suffering from the loss of a loved one. We will help you to choose the right cover, and make the process clear and straightforward.
Remember, 'Adequate Cover' is what is required - not too little and not too much.
